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County and ZIP distress scoring, cycle phase, and the day's opportunities.

ZIP 49908 Foreclosure, Tax-Lien & Distress Report

Baraga County, Michigan · High Vacancy market

In Baraga County, Michigan, ZIP 49908 scores 5 of 100 for composite distress, a minimal level on DLRadar's public-record index. The pressure is most legible in construction/permit lag (30/100), structural risk (11/100), mortgage stress (7/100). By contrast, mortgage stress (7/100) and institutional ownership (3/100) register low. Structural risk reads 11/100 against active distress of 2/100.

The expansion-phase market in 49908 posted values that rose 5.5% over the year, and 26% higher over three years, at 32/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 1,348 housing units across 49908. The poverty rate is 12.9%. A median home runs $130,300 here, or 2.0 times local income. Households earn a median $56,985 — below the roughly $78,000 national figure. Population is roughly 3,208 with a median age of 39. On demographic stress specifically, 49908 scores 26/100. The tenure split is 66% owner-occupied to 34% rented. Around 17% of renters are cost-burdened. The vacancy rate is 20.2% — elevated. Around 12% of adults hold a bachelor's degree or higher.

Net-net, 49908 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 49908 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 49908's 5/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 49908 shows blanks, not estimates, wherever the record is sparse.

49908's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For an operator, 49908 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.

5/100
Composite stress
11/100
Structural risk
2/100
Distress activity

Distress signal breakdown — ZIP 49908

Foreclosure activity0
Mortgage stress7
Climate / FEMA risk9
9 further distress layers are graded for 49908

Delinquent tax, institutional holdings, insurance strain, flood/NFIP exposure, build-out lag, price dislocation and auction pace — along with the 0 individual distressed properties carry owner, address, APN, a parcel-level score and an exit read in the full DLRadar file.

49908 at a glance

Real-time distress, cycle phase, housing and bank-stress readings for 49908, the same set carried on every parcel.

Loading ZIP 49908 stress data…

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Each signal above is traceable to an open dataset · methodology

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